Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, marking a shift from strict punishment to a balanced approach of both punishment and repair [1]. Group 1: Policy Details - The policy allows for a one-time credit repair for individuals who have overdue amounts not exceeding 10,000 yuan, provided they repay the full amount by March 31, 2026 [1]. - This initiative is designed to break the cycle of "once untrustworthy, always restricted," promoting a more forgiving credit system [1]. Group 2: Conceptual Shift - The policy reflects a change in perspective regarding credit issues, recognizing that external factors or force majeure may lead to credit damage without subjective fault from the individual [5]. - The need to differentiate between those who fail to meet obligations due to external circumstances versus those who do so out of negligence is emphasized [8]. Group 3: Long-term Mechanism Expectations - Starting April 1 of the following year, a formal credit repair management approach will be implemented, raising expectations for a long-term credit repair mechanism [6]. - Future considerations include varying the retention period for negative records based on the amount involved, suggesting shorter retention for small amounts and longer for larger debts [8]. Group 4: Implications for Consumer Confidence - The one-time credit repair policy is seen as a significant advancement in China's credit system, addressing the balance between punishment for bad credit and the provision of relief for those who have made mistakes [11]. - The policy aims to enhance consumer confidence and encourage spending by allowing individuals with minor credit issues to regain their standing [13]. Group 5: Legal Framework and Fairness - The credit repair process is grounded in legal principles, promoting self-discipline and awareness of the law among individuals [14]. - The approach is viewed as fair, aligning with market principles of appropriate rewards and punishments, and is expected to positively impact the overall credit market and future consumption [14].

俗话说"有借有还，再借不难"，征信信息可以展现一个人在经济金融活动中的守约情况。 自2006年正式上线，全国集中统一的企业和个人征信系统已成为我国重要的金融基础设施。截至11月 末，征信系统已采集11.6亿自然人的信息，其中8.1亿人有信贷记录，年度累计查询量达65.8亿次。 目前个人信用报告会展示最近5年的逾期记录，自逾期欠款还清之日起超过5年的逾期记录不再展示。 "过去几年，受新冠疫情等不可抗力影响，一些个人发生了债务逾期，虽然事后全额偿还，但相关信用 记录仍持续影响其经济生活。"中国人民银行行长潘功胜在今年10月表示，为帮助个人加快修复信用记 录，同时发挥违约信用记录的约束效力，中国人民银行将研究实施一次性信用修复政策。 卸下"包袱" 中国人民银行12月22日发布一次性信用修复政策，符合相关条件的逾期信息，将不会在个人信用报告中 予以展示，助力个人高效便捷重塑信用，卸下"包袱"轻装前行。 为何要推出一次性信用修复政策？ 在进行必要的技术准备后，中国人民银行于12月22日明确发布一次性信用修复政策有关安排。自2026年 1月1日起征信中心将根据不同还款情形完成自动调整，相关逾期记录不再在个人信用报告中展示 ...

新华社"新华视点"记者吴雨、任军 12月22日，中国人民银行发布一次性信用修复政策，明确自明年1月1日起，符合相关条件的逾期信息， 将不会在个人信用报告中予以展示。 哪些人能获得政策支持？为什么要做"一次性"安排？公众该如何维护良好的信用记录？来自中国人民银 行、金融机构等的专业人士进行了深入解读。 支持信用受损但积极还款的个人 个人信用报告中最近5年的逾期记录，是银行发放贷款的重要参考。此次政策对于不再予以展示的逾期 记录，明确了范围和条件： 新华社北京12月22日电题：一次性信用修复政策公布，将帮助哪些人重塑个人信用？ 从时间来看，逾期信息产生于2020年1月1日至2025年12月31日期间；从金额来看，单笔逾期金额不超过 1万元；从前提来看，个人在2026年3月底前足额偿还了逾期债务。 看到这一消息，北京的个体工商户李先生很期待："2021年因店铺暂时停业，我的信用卡一度出现逾 期，虽然后来结清了欠款，但因为有逾期记录，房贷一直没有办下来。逾期记录不再被展示将有利于降 低我的融资门槛。" "受新冠疫情等多方面因素影响，一些个人财务状况发生了难以预料的变化，未能按原借款合同约定时 间偿还贷款。虽然事后已全 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing them to efficiently restore their credit status [1][4] Group 1: Policy Details - The credit repair policy adheres to three principles: a specific time frame (2020 to 2025), a maximum amount (individual overdue amounts not exceeding 10,000 RMB), and specific conditions (debts must be repaid by March 31, 2026) [2] - Individuals who repay overdue debts by November 30, 2025, will have their overdue information removed from the credit database starting January 1, 2026 [2] - The policy applies to various types of loans, including personal loans, housing loans, consumer loans, and credit cards, without charging any fees or requiring third-party agents [2] Group 2: Impact on Individuals - The policy aims to break the cycle of "once untrustworthy, always restricted," providing a pathway for those who have made mistakes but are willing to correct them [5][6] - It is expected to improve the core qualifications for personal credit applications, potentially increasing approval rates for housing and consumer loans [4][5] - The policy targets non-malicious, long-tail credit users, particularly benefiting young workers, individual business owners, and flexible employment individuals [6] Group 3: Benefits for Financial Institutions - The credit repair initiative encourages borrowers to repay overdue debts, which may help banks recover overdue loans and improve asset quality [7] - It establishes an incentive mechanism for debtors to repay their debts by setting a repayment deadline of March 31, 2026, aiding financial institutions in quickly recovering non-performing assets [7] - The policy also aims to eliminate illegal credit repair intermediaries by providing a free, automatic system for credit information processing [7][8] Group 4: Broader Social Implications - The credit repair mechanism is expected to enhance the social credit system by balancing punitive measures for dishonesty with benefits for trustworthiness [8] - It can alleviate social tensions caused by long-term credit issues, providing hope and promoting social harmony [8] - The policy is anticipated to stimulate consumer potential and economic vitality, allowing millions to access reasonable financial services, thereby boosting consumption and internal demand [8]

央行表示，此次政策核心是解决群众"信用困境"，绝非债务豁免，只有全额结清逾期债务，才能享受信 用记录调整的政策红利，债务偿还的核心责任并未免除。"守信激励、失信惩戒"始终是我国信用体系的 重要原则，这条"底线"也从未动摇。 中国人民银行副行长邹澜表示，在个人层面，政策为曾经失信的个人提供容错纠正的机会，有助于社会 公众有效改善信用状况，激发微观主体活力，为经济高质量发展注入内生动力。在金融机构层面，政策 有助于金融机构更加精准地识别个人信用状况，进一步提升普惠金融服务质效。 还款时建议确认应还金额 避免错过政策 在12月22日举行的一次性信用政策解读发布会上，金融机构提醒，此次政策适用于逾期信息产生于2020 年1月1日至2025年12月31日期间，2026年新产生的逾期信息不包括在内。个人在偿还欠款时，要与金融 机构进行金额的确认，以免少还、漏还，错过政策。 足额偿还逾期债务，是指借款人足额偿还历史逾期欠款，并按时偿还当月的应偿还款。 北京银行行长戴炜介绍，以每月10日偿还1000元等额本息贷款为例，若截至2025年12月31日尚有2000元 的逾期欠款，则借款人需要在2026年1月10日前同时结清往期的欠 ...

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at supporting individuals with damaged credit who have actively repaid their debts, marking a shift from a punitive credit system to one that balances punishment and repair [1][3][4]. Group 1: Policy Details - The policy allows for the removal of overdue information for personal debts up to 10,000 RMB if repaid by March 31, 2026, with specific deadlines for different repayment periods [1][2]. - The policy applies to all types of loans, including personal business loans, housing loans, consumer loans, and credit cards, without distinction between lending institutions [2]. - The credit repair process is automatic, requiring no application or documentation from individuals, and will be effective from January 1, 2026 [2][8]. Group 2: Implementation and Benefits - The People's Bank of China will provide additional opportunities for free credit report inquiries in the first half of 2026, increasing access for individuals to check their credit status [5][6]. - The policy aims to alleviate the long-term restrictions faced by individuals with past credit issues, particularly those who have made efforts to rectify their financial situations [6][7]. - The adjustment in credit reports will change overdue statuses to normal and reflect zero overdue amounts for qualifying individuals, enhancing their credit profiles [6][9]. Group 3: Public Awareness and Precautions - The policy is entirely free, and any attempts to charge fees or solicit information under this policy are considered fraudulent [2][8]. - Individuals are advised to be cautious of illegal intermediaries offering debt restructuring services and to confirm repayment amounts and statuses with financial institutions to avoid missing out on the policy benefits [10][11].

根据《征信业管理条例》，在征信系统中，违约记录的存续期为5年。过去几年，受不可抗力影响，一 些个人发生了债务逾期，虽然事后全额偿还，但相关信用记录仍持续影响其经济生活。为帮助个人加快 修复信用记录，同时发挥违约信用记录的约束效力，人民银行正在研究实施一次性的个人信用救济政 策，对于违约在一定金额以下且已归还贷款的个人违约信息，将在征信系统中不予展示。这项措施将在 履行相关的程序后，由人民银行会同金融机构进行必要的技术准备，计划在明年初执行。 12月22日，在进行必要的技术准备后，中国人民银行正式发布一次性信用修复政策有关安排。自2026年 1月1日起征信中心将根据不同还款情形完成自动调整，相关逾期记录不再在个人信用报告中展示。 12月22日，中国人民银行发布一次性信用修复政策，符合相关条件的逾期信息，将不会在个人信用报告 中予以展示。 一次性信用修复政策不区分金融机构和业务类型，也不限制笔数。同时政策实行"免申即享"，个人无需 申请和操作，也无需提交证明材料，由中国人民银行征信系统对符合条件的逾期信息进行自动识别和统 一处理。 为何要推出一次性信用修复政策？ 自2006年正式上线，全国集中统一的企业和个人征信 ...

Core Viewpoint - The People's Bank of China has introduced a one-time credit repair policy aimed at providing a corrective opportunity for individuals who have previously defaulted but have settled their debts, effective from January 1, 2026 [1][2]. Group 1: Policy Details - The policy applies to overdue amounts not exceeding 10,000 RMB for debts incurred between January 1, 2020, and December 31, 2025 [1][3]. - There are no distinctions made regarding the type of loan or lending institution, making the policy accessible to various forms of credit, including personal loans, mortgages, and credit cards [1][3]. - Individuals must fully repay their overdue debts by March 31, 2026, to qualify for the credit repair [3][4]. Group 2: Expected Impact - The policy is expected to improve credit conditions for individuals, stimulate microeconomic activity, and enhance the quality of financial services provided by institutions [2][7]. - It aims to reinforce the awareness of creditworthiness in future economic activities, thereby supporting the foundational role of the credit system in promoting trust and accountability [2][8]. Group 3: Implementation Mechanism - Eligible overdue information will not be displayed in credit reports, with overdue statuses changing from "overdue" to "normal" and overdue amounts adjusted to zero [4][9]. - The policy includes measures such as automatic eligibility without the need for personal applications, a three-month grace period for debt repayment, and additional free credit report queries [4][10]. Group 4: Clarifications and Safeguards - The policy is not a form of "credit washing" and does not exempt individuals from their debt obligations; full repayment is a prerequisite for benefiting from the policy [9][11]. - The People's Bank of China emphasizes the importance of maintaining strict boundaries to prevent abuse of the system and to uphold the integrity of the credit framework [9][12].

2025.12. 22 作者 | 第一财经 杜川 支持个人信用重塑，12月22日，央行发布一次性信用修复政策。在当日央行召开的新闻发布会上， 中国人民银行征信中心主任张子红回答第一财经记者提问时表示，一次性信用修复政策实施后，对于 符合条件的逾期信息，两个数据项的具体展示情况将会出现相应的调整。 目前，征信系统中已还款个人逾期信息的保存期限为5年，超过5年的不再展示。张子红表示，个人 信用报告中的逾期信息需要通过每月的"还款状态"和"逾期金额"两个数据项进行反映。一次性信用修 复政策实施后，对于符合条件的逾期信息，"还款状态"将由"逾期"标识调整为"正常"标识，逾期金额 将由1万元以下的"非0"数值调整为"0"。这个调整将会在信用报告中的"信息概要"和"信贷交易信息明 细"模块予以同步体现。 此外，张子红称，对于具体的调整变化，可以通过征信中心官方网站等渠道获取，对于大家关心的逾 期信息何时完成调整问题，征信系统将根据个人逾期债务的结清时间分两种情形进行处理。 本文字数：680，阅读时长大约1分钟 第一种情形是个人已经于2025年11月30日（含）前足额偿还逾期债务，征信系统自2026年1月1日起 就不予展示 ...

此外，张子红称，对于具体的调整变化，可以通过征信中心官方网站等渠道获取，对于大家关心的逾期 信息何时完成调整问题，征信系统将根据个人逾期债务的结清时间分两种情形进行处理。 第一种情形是个人已经于2025年11月30日（含）前足额偿还逾期债务，征信系统自2026年1月1日起就不 予展示相关逾期信息。 第二种情形是个人于2025年12月1日至2026年3月31日之间足额偿还逾期债务的，征信系统于次月月月底 前不予展示相关逾期信息。比如，个人在2026年1月还清欠款的，相关具体信息在2月月底前即可展示为 正常还款状态。 原标题：央行答一财：个人信用修复政策实施后，符合条件的逾期信息将出现两项变化 征信系统将根据个人逾期债务的结清时间分两种情形进行处理。 支持个人信用重塑，12月22日，央行发布一次性信用修复政策。在当日央行召开的新闻发布会上，中国 人民银行征信中心主任张子红回答第一财经记者提问时表示，一次性信用修复政策实施后，对于符合条 件的逾期信息，两个数据项的具体展示情况将会出现相应的调整。 目前，征信系统中已还款个人逾期信息的保存期限为5年，超过5年的不再展示。张子红表示，个人信用 报告中的逾期信息需要通过每 ...